With Pay Small, an extended payment plan by American Express, you can choose to break purchases into affordable instalments over 6, 12, 18 or 24 months at 0% interest*. 

Pay Small logo


* If you pay your Card Account in full each month. Terms and Conditions apply.

4 Easy Steps to Pay Small

Step 1:

Inform the on-ground staff that you would like to use Pay Small by American Express for your purchase



Step 2:

Present your American Express Card



Step 3:

Choose your instalment payment plan of 6, 12, 18 or 24 months



Step 4:

That’s it - take your purchase home!






Browse through our merchants offering Pay Small

Special offers and promotions when you use Pay Small*


Pay Small is now on Qoo10! Exclusively from 15 Sep to 31 Oct 2019, enjoy special deals on Qoo10 when you pay with Pay Small, an instalment plan by American Express. Offer is valid for selected items only, while stocks last. Visit to find out more. T&Cs and restrictions apply.


Spend a min. of S$2,800 on instalment and receive S$50 CapitaVouchers, limited to the first 80 Card Members at MindChamps Enrichment Centres.

Not a Card Member yet?
Apply for an American Express® Credit Card and receive S$100 CapitaVouchers + PlayShifu AR Toy upon first spend, while stocks last.

Si Chuan Dou Hua

Receive a free OSIM uMask Eye Massager (worth S$45.90) when you spend a minimum of S$999 via Pay Small, an instalment payment plan by American Express.  Redemption is only valid at the OSIM Outlet @ Jewel Changi Airport and is limited to the first 100 eligible Card Members. Terms & Conditions Apply.

* No rewards (including Membership Rewards points, Cashback, KrisFlyer miles and STAR$®) will be accrued or earned in respect of Charges made under Pay Small. Other Terms and Conditions apply.